Protect Your Plumbing Business with Workers' Compensation in Mississippi
Part of our guide to plumbers insurance in Mississippi.
Workers' Compensation Insurance covers medical bills and lost wages when employees are injured on the job, but it does not cover general liability or commercial auto claims. In Mississippi, plumbers often need to carry at least $1 million in general liability coverage to work with general contractors and commercial property managers. Workers' Compensation is required once you have 5 or more employees. For plumbers in Mississippi, this coverage is essential to avoid paying out of pocket for job-related injuries. Many clients in cities like Gulfport and Southaven require plumbers to have Workers' Compensation before hiring them.
Workers' Compensation cost for plumbers in Mississippi
Illustrative monthly workers comp estimate for a small plumber operation in Mississippi. Actual pricing depends on revenue, payroll, coverage limits, claims history, and carrier. Get a personalized quote to see your real price.
Partner offer · Plumbers in Mississippi
Get workers' compensation for your plumber business in Mississippi
Flexible coverage built for plumbers in Mississippi — by the job, month, or year. Get a fast online quote with no long-term commitment.
Sponsored · Coverage for plumbers
What Workers' Compensation Covers for Plumbers in Mississippi
Workers' Compensation Insurance pays for medical bills and lost wages when employees are injured on the job, including injuries from accidents, slips, and falls. For example, if an employee is injured while fixing a pipe in a Jackson home, Workers' Compensation would cover their medical bills and lost wages. However, it does not cover general liability claims, such as damage to a client's property, or commercial auto claims, such as accidents while driving to a job site. Another example is if an employee is electrocuted while working on a construction site in Gulfport, Workers' Compensation would cover their medical expenses and lost wages.
Do Plumbers in Mississippi Need Workers' Compensation?
In Mississippi, workers' compensation is generally required once you have 5 or more employees. This means that if you have a small plumbing business with fewer than 5 employees, you may not be required to have Workers' Compensation. However, if you have 5 or more employees, you will need to have this coverage to avoid fines and penalties. Going without Workers' Compensation can be risky, as job-related injuries can be costly and may lead to lawsuits. Many clients in Mississippi, including general contractors and commercial property managers, require plumbers to have Workers' Compensation before hiring them.
A Real Workers' Compensation Claim a Plumber Could Face
On a humid morning in Jackson, a plumber was injured while fixing a pipe in a residential home. The plumber slipped and fell, injuring their back and requiring surgery. The medical bills totaled $10,000, and the plumber was unable to work for 6 weeks, resulting in lost wages of $5,000. Workers' Compensation covered the medical bills and lost wages, paying out a total of $15,000. The plumber's business was protected from this costly claim, and they were able to focus on recovering and getting back to work.
What Workers' Compensation Costs for Plumbers in Mississippi
The cost of Workers' Compensation for plumbers in Mississippi can vary, but estimated premiums range from $50-$190/month. The cost depends on factors such as revenue, payroll, coverage limits, deductible, and claims history. For example, a plumber with a higher revenue and payroll may pay more for Workers' Compensation. Additionally, the Gulf Coast hurricane and flooding risk, including significant storm surge exposure, and tornado activity in the northern and central parts of the state, can increase the cost of Workers' Compensation. To lower their premium, plumbers can implement safety measures, such as training employees on proper lifting techniques and providing personal protective equipment.
How to Get Workers' Compensation in Mississippi
To get Workers' Compensation in Mississippi, plumbers should gather information about their business, including revenue, payroll, and coverage limits. They should also compare quotes from different insurance providers and ask about discounts for safety measures and claims history. In Mississippi cities like Southaven, plumbers can find insurance providers that offer Workers' Compensation at competitive rates. By investing in Workers' Compensation, plumbers can protect their business from costly job-related injuries and meet client requirements. With premiums as low as $50-$190/month, the cost of Workers' Compensation is a small price to pay for the protection it provides. See your rate today.
Frequently asked questions
Will my Workers' Compensation premium jump after one claim?＋
No, not necessarily. The impact of a claim on your premium depends on the severity of the claim and your overall claims history. If you have a high-frequency or high-severity claim, your premium may increase. However, many insurance providers offer discounts for safety measures and claims history, which can help mitigate the impact of a claim on your premium. Additionally, some providers offer premium forgiveness or claims forgiveness programs, which can help reduce the impact of a claim on your premium.
Can I get a COI same-day for a client?＋
Yes, many insurance providers offer same-day COI issuance for clients. This can be especially helpful for plumbers who need to provide proof of insurance to clients quickly. Some providers also offer online portals or mobile apps that allow you to access and print COIs instantly. Be sure to ask your insurance provider about their COI issuance process and timeline to ensure you can meet your clients' requirements.
Does a sole proprietor need Workers' Compensation?＋
No, sole proprietors are not required to have Workers' Compensation in Mississippi. However, if you have employees, you will need to have this coverage to protect them and your business. Even if you don't have employees, you may still want to consider Workers' Compensation to protect yourself from job-related injuries. Some insurance providers offer policies that cover sole proprietors, so be sure to ask about your options.
What's not covered by Workers' Compensation?＋
Workers' Compensation does not cover general liability claims, such as damage to a client's property, or commercial auto claims, such as accidents while driving to a job site. It also does not cover intentional injuries or injuries that occur while an employee is not working. Additionally, Workers' Compensation may not cover injuries that occur while an employee is working outside of Mississippi, unless you have a policy that includes out-of-state coverage. Be sure to review your policy carefully to understand what is and is not covered.
Can I cancel my Workers' Compensation policy at any time?＋
Yes, you can cancel your Workers' Compensation policy at any time, but be aware that you may be subject to penalties or fines if you cancel your policy and do not have alternative coverage in place. Additionally, if you have employees, you may be required to maintain Workers' Compensation coverage to comply with Mississippi state law. Be sure to review your policy carefully and understand the terms and conditions of cancellation before making any changes to your coverage.
Partner offer · Plumbers in Mississippi
Ready to cover your plumber business in Mississippi?
Flexible coverage built for plumbers in Mississippi — by the job, month, or year. Get a fast online quote with no long-term commitment.
Sponsored · Coverage for plumbers
Other coverages plumbers in Mississippi should know
This article is for general educational purposes and is not insurance or legal advice. Coverage requirements and pricing in Mississippi change over time and vary by business. Verify current rules with the Mississippi Department of Insurance and a licensed agent before purchasing a policy.